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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $425,303 | $61,125+595.8% | $94,057+352.2% | $87,485+386.1% |
| Participation rate | 61.0% | 64.1%-3.1pp | 73.3%-12.4pp | 68.9%-8.0pp |
| Annual return | 16.62% | 35.20%-18.6pp | 480.62%-464.0pp | 26.06%-9.4pp |
| Employer contribution / active EE | $2,682 | $2,136+25.6% | $2,933-8.5% | $2,596+3.3% |
| Participant deferral / active EE | $6,024 | $3,260+84.8% | $4,709+27.9% | $4,274+41.0% |
| Admin fee / account holder | $3,482 | $5,629-38.1% | $7,244-51.9% | $7,775-55.2% |